This episode is sponsored by…
IGNITE FUNDING:
Earn 10%-12% fixed annual returns backed by real property, without the hassle of owning and managing rentals.
https://lp.ignitefunding.com/2025/5mis-rtr/signup/?sl=rtr&utm_source=rtr&utm_medium=podcast&utm_content=podcast_1
Thinking passive income in real estate is only for the wealthy? Think again.
In this episode of the Rent To Retirement Podcast, Adam Schroeder and Zach Lemaster are joined by Carrie Cook, President of Ignite Funding, to uncover a powerful and lesser-known strategy: note investing backed by real estate.
Carrie shares how everyday investors—even non-accredited ones—can earn 10-12% annual returns through collateralized real estate loans with as little as $10,000. No tenants, no toilets, and no property management headaches.
Learn how this strategy works, how Ignite Funding underwrites deals, manages risk, handles defaults, and provides transparency and control often missing in syndications or REITs.
🎧 Whether you’re a new investor or seeking to diversify your portfolio with passive, secured income, this is a game-changer.
⏱️ Timestamps:
00:00 – Intro: Meet Carrie Cook of Ignite Funding
01:06 – Carrie’s origin story in real estate investing
03:15 – Why she shifted from active to passive real estate
04:22 – What is Ignite Funding & how does it work?
06:23 – Why traditional syndications failed her in 2008
07:50 – The 4 key protections in a note investment
10:04 – How Ignite does due diligence on each deal
12:52 – Who can invest? Minimums, returns & timelines
16:00 – Diversification strategies and risk mitigation
20:04 – Comparing notes to syndications & CDs
22:30 – Carrie’s “loan-to-own” underwriting mindset
26:00 – Track record: 3% default, 0.29% loss since 2011
29:00 – How equity cushions reduce risk further
🔗 Learn more about Ignite Funding: https://lp.ignitefunding.com/2025/5mis-rtr/signup/?sl=rtr&utm_source=rtr&utm_medium=podcast&utm_content=podcast_1📧 Got a question or story to share?Email us at: podcast@renttoretirement.com👍 Like this episode? Hit the thumbs up, subscribe, and turn on notifications so you don’t miss the next one!💬 Comment below with your biggest takeaway from this episode!🌐 Explore turnkey investing opportunities: https://www.renttoretirement.com🗓️ Schedule a Free Consultation:https://bit.ly/3EE6KjZ📺 Subscribe to the YouTube Channel:https://www.youtube.com/channel/UC_h1lnz1kM75Gj79VV8QtEg🎧 Listen to the Rent To Retirement Podcast on the Go:https://podcasters.spotify.com/pod/show/renttoretirement📬 Join Our Newsletter Email List:Submit your info at the top right corner of the page:https://renttoretirement.com📩 Have Questions for the Podcast?Send them to: podcast@renttoretirement.comYour question might be answered in a future episode!#PassiveIncome #RealEstateInvesting #NoteInvesting #IgniteFunding #AlternativeInvestments #FinancialFreedom #NonAccreditedInvestor #WealthBuilding #RentToRetirementPodcast